Lexus IS 250 Insurance Rates

Estimated insurance prices for a Lexus IS 250 are $1,502 every 12 months for full coverage insurance. Comprehensive costs an estimated $362, collision costs $688, and liability coverage costs around $316. Liability-only coverage costs as low as $376 a year, with high-risk coverage costing around $3,252. Teenage drivers pay the most at $5,366 a year or more.

Average premium for full coverage: $1,502

Premium estimates broken down by type of coverage:

Rate estimates include $500 physical damage deductibles, 30/60 split liability limits, and includes uninsured/under-insured motorist coverage. Rates include averaging for all 50 states and for all IS 250 models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live has a large influence on the price of insurance. More rural locations are statistically proven to have more infrequent physical damage claims than densely populated cities.

The example below illustrates the difference location can make on insurance prices.

These rate differences illustrate why everyone should compare prices for a targeted area and their own driving history, rather than using average rates.

Use the form below to get customized rates for your location.

More Rate Information

The chart below illustrates estimated Lexus IS 250 insurance rates for other coverage scenarios.

• The best discount rate is $844
• Using higher $1,000 deductibles will save approximately $238 each year
• The average price for a 40-year-old good driver who has $500 deductibles is $1,502
• Using pricier low deductibles for physical damage coverage increases the price to $1,966
• Higher-risk drivers who are prone to accidents and violations could pay up to $3,252 or more
• An auto insurance policy to insure a teenage driver for full coverage can cost as much as $5,366 or more

Insurance prices for a Lexus IS 250 also have a wide range based on physical damage deductibles and liability limits, your risk profile, and the model year and trim level.

Using high physical damage deductibles could cut prices by as much as $710 a year, whereas buying more liability protection will increase premiums. Switching from a 50/100 liability limit to a 250/500 limit will cost up to $335 more per year. View Rates by Deductible or Liability Limit

A more mature driver with a clean driving record and higher deductibles may only pay around $1,400 a year, or $117 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers can expect to pay at least $5,300 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you are probably paying $1,800 to $2,400 extra annually, depending on your age. Lexus IS 250 insurance for high-risk drivers can be around 45% to 134% more than a normal policy. View High Risk Driver Rates

Where you choose to live has a huge impact on Lexus IS 250 insurance rates. A driver around age 40 might see prices as low as $980 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $2,030 on average in Florida, New York, and Michigan.

With such a large range in prices, the only way to figure out which insurance company is cheapest is to regularly compare prices and see how they stack up. Each insurance company uses a different method to calculate prices, so the prices will be substantially different.

Insurance Rates by Trim Level and Model Year

Rates assume 2025 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.

How to Shop for the Best Lexus IS 250 Insurance

Finding better rates on auto insurance requires being a safe and courteous driver, having good credit, paying for small claims out-of-pocket, and taking advantage of discounts. Make time to compare rates at least every other year by obtaining price quotes from direct insurance companies, and also from insurance agencies where you live.

Below is a brief recap of the car insurance concepts touched on in this article.

• Drivers who tend to receive serious violations could be forced to pay on average $1,750 more annually for auto insurance
• It is possible to save approximately $190 per year simply by quoting online well ahead of the renewal date
• Increasing policy deductibles could save as much as $700 each year
• Consumers who want higher levels of liability will pay an extra $350 annually to increase from 30/60 bodily injury limits to a 250/500 level